Key Points Regional banks can benefit from falling interest rates as deposit costs typically adjust downward faster than loan yields. Lower rates also stimulate borrowing demand, boosting loan growth. Regional banks that struggled amid higher interest rates could see their margins recover faster if funding costs come down. 10 stocks we like better than SPDR Series Trust - SPDR S&P Regional Banking ETF › On Sept. 18, the Federal Reserve cut its benchmark interest rate by 0.25%. It was the centra ...